Citi Credit Cards

We suggest offers based on money we make from our partners.

These offers are no longer available on our site: Citi ThankYou® Preferred Card for College Students, Citi ThankYou® Premier Card, Citi® Secured Mastercard®, Citi ThankYou® Preferred Card, CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

Intro Purchase APR

0% for 12 months

Regular Purchase APR

18.24% - 28.99%* Variable

Intro Balance Transfer APR

0% for 21 months

Regular Balance Transfer APR

18.24% - 28.99%* Variable

Annual Fee

$0

Rewards

None

Balance Transfer Fee

5%, Min: $5

Min Credit Needed

GOOD

Return Payment Fee

Up to $41

Foreign Transaction Fee

3%

Penalty APR

Up to 29.99% Variable

Late Fee

Up to $41

Cash Advance Fee

5%, Min: $10

Cash Advance APR

29.99%* Variable

Card Information

Great for a long balance transfer offer

Card Details

  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.24% - 28.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online.
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • No Annual Fee - our low intro rates and all the benefits don’t come with a yearly charge.
  • Rates and fees

Card Details

  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.24% - 28.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online.
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • No Annual Fee - our low intro rates and all the benefits don’t come with a yearly charge.
  • Rates and fees

Intro Purchase APR

0% for 12 months

Regular Purchase APR

18.24% - 28.99%* Variable

Intro Balance Transfer APR

0% for 21 months

Regular Balance Transfer APR

18.24% - 28.99%* Variable

Annual Fee

$0

Min Credit Needed

GOOD

 

Intro Purchase APR

N/A

Regular Purchase APR

19.24% - 29.24%* Variable

Intro Balance Transfer APR

0% for 18 Months

Regular Balance Transfer APR

19.24% - 29.24%* Variable

Annual Fee

$0

Rewards

None
Cash Back

Balance Transfer Fee

Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).

Min Credit Needed

GOOD

Return Payment Fee

Up to $41

Foreign Transaction Fee

3%

Penalty APR

Up to 29.99% Variable

Late Fee

Up to $41

Cash Advance Fee

5%, Min: $10

Cash Advance APR

29.99%* Variable

Card Information

Great for high flat-rate cash back

Card Details

  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • Rates and fees

Card Details

  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • Rates and fees

Intro Purchase APR

N/A

Regular Purchase APR

19.24% - 29.24%* Variable

Intro Balance Transfer APR

0% for 18 Months

Regular Balance Transfer APR

19.24% - 29.24%* Variable

Annual Fee

$0

Min Credit Needed

GOOD

 

Intro Purchase APR

0% for 12 Months

Regular Purchase APR

19.24% - 29.99%* Variable

Intro Balance Transfer APR

0% for 21 Months

Regular Balance Transfer APR

19.24% - 29.99%* Variable

Annual Fee

$0

Rewards

None

Balance Transfer Fee

Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).

Min Credit Needed

GOOD

Return Payment Fee

Up to $41

Foreign Transaction Fee

3%

Penalty APR

N/A

Late Fee

None

Cash Advance Fee

5%, Min: $10

Cash Advance APR

29.99%* Variable

Card Information

Great for a long balance transfer offer

Card Details

  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 19.24% - 29.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • Stay protected with Citi® Quick Lock

Card Details

  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 19.24% - 29.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • Stay protected with Citi® Quick Lock

Intro Purchase APR

0% for 12 Months

Regular Purchase APR

19.24% - 29.99%* Variable

Intro Balance Transfer APR

0% for 21 Months

Regular Balance Transfer APR

19.24% - 29.99%* Variable

Annual Fee

$0

Min Credit Needed

GOOD

 

N/A

 

N/A

 

N/A

 

N/A

 

Intro Purchase APR

N/A

Regular Purchase APR

21.24% - 29.99%* Variable

Intro Balance Transfer APR

N/A

Regular Balance Transfer APR

21.24% - 29.99%* Variable

Annual Fee

$0 intro, then $99 after first year

Rewards

None
Miles

Balance Transfer Fee

Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.

Min Credit Needed

GOOD

Return Payment Fee

Up to $41

Foreign Transaction Fee

0%

Penalty APR

Up to 29.99% Variable

Late Fee

Up to $41

Cash Advance Fee

5%, Min: $10

Cash Advance APR

29.99%* Variable

Card Information

Great for American Airlines perks

Card Details

  • Earn 50,000 American Airlines AAdvantage® bonus miles after spending $2,500 in purchases within the first 3 months of account opening
  • Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants, and on eligible American Airlines purchases
  • Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases
  • Earn a $125 American Airlines Flight Discount after you spend $20,000 or more in purchases during your card membership year and renew your card
  • No Foreign Transaction Fees
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation
  • Enjoy preferred boarding on American Airlines flights
  • Rates and fees

Card Details

  • Earn 50,000 American Airlines AAdvantage® bonus miles after spending $2,500 in purchases within the first 3 months of account opening
  • Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants, and on eligible American Airlines purchases
  • Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases
  • Earn a $125 American Airlines Flight Discount after you spend $20,000 or more in purchases during your card membership year and renew your card
  • No Foreign Transaction Fees
  • First checked bag is free on domestic American Airlines itineraries for you and up to four companions traveling with you on the same reservation
  • Enjoy preferred boarding on American Airlines flights
  • Rates and fees

Intro Purchase APR

N/A

Regular Purchase APR

21.24% - 29.99%* Variable

Intro Balance Transfer APR

N/A

Regular Balance Transfer APR

21.24% - 29.99%* Variable

Annual Fee

$0 intro, then $99 after first year

Min Credit Needed

GOOD

 

N/A

 

Intro Purchase APR

N/A

Regular Purchase APR

21.24% - 29.99%* Variable

Intro Balance Transfer APR

N/A

Regular Balance Transfer APR

21.24% - 29.99%* Variable

Annual Fee

$595

Rewards

None
Miles

Balance Transfer Fee

5% of each balance transfer; $5 minimum.

Min Credit Needed

GOOD

Return Payment Fee

Up to $41

Foreign Transaction Fee

0%

Penalty APR

Up to 29.99% Variable

Late Fee

Up to $41

Cash Advance Fee

5%, Min: $10

Cash Advance APR

29.99%* Variable

Card Information

Great for elite travel perks

Card Details

  • Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first 3 months of account opening.
  • Admirals Club® membership for you and access for up to two guests or immediate family members traveling with you
  • No Foreign Transaction Fees on purchases
  • Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases
  • First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation
  • Rates and fees

Card Details

  • Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first 3 months of account opening.
  • Admirals Club® membership for you and access for up to two guests or immediate family members traveling with you
  • No Foreign Transaction Fees on purchases
  • Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases
  • First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation
  • Rates and fees

Intro Purchase APR

N/A

Regular Purchase APR

21.24% - 29.99%* Variable

Intro Balance Transfer APR

N/A

Regular Balance Transfer APR

21.24% - 29.99%* Variable

Annual Fee

$595

Min Credit Needed

GOOD